3896 E Smith Rd, Bay City, MI 48706 Property Records

Bay County property record for 3896 E Smith Rd, Bay City, MI 48706

Property Summary

Property Type	Single Family Home
Details	2 bd · 1 ba · 768 sqft · built 1955
Lot Size	0.452 acres (19,689 sqft)
Owner	Individual Name on Record
Last Sale	$71,233 (Nov 2005)
Tax Bill	$1,392 (2026)
Deeds & Mortgages	Dec 2021 Mortgage Apr 2020 Loan Modification
Flood Zone	Zone AE (high risk)
APN	`010-L13-000-927-00`

Property Details

APN / Parcel Number

Primary APN	`010-L13-000-927-00`

Interior

Bedrooms	2 Beds
Full Baths	1 Bath
Building Area	768 sqft Living Area
1st Floor Area	768 sqft

Exterior

Year Built	Built 1955
Effective Year Built	Effective 1955
Architectural Style	Ranch
Lot Area	19,689 sqft (0.452 acres)
Lot Dimensions	190 ft deep x 107 ft wide
Garage Area	400 sqft
Parking Spaces	2 Parking Spaces

Utilities, Heating & Cooling

Heating System	Forced Air with A/C

Location & Zoning

Street Address	3896 E SMITH RD
City	BAY CITY
State	MI
Zip	48706-1743
Property Category	Residential
Property Type	Residential > Single Family > Home
Local Zoning Code	R-1
Legal Description	LOT 927. LAGOON BEACH 3RD ADD., AS RECORDED IN LIBER 4 OF PLATS, PAGE 67.
Legal Subdivision	LAGOON BEACH THIRD ADDITION
Legal Lot Number	927
Jurisdiction	BAY MI
Township / Civil Division	BANGOR
Census Block Group	2
Census Block	2003
Census Tract	285900

Owner

Source: Bay County records, as of May 18, 2026

Owner names and exact recorded amounts shown locked on this page are available instantly with a free trial.

Owner of Record	Individual Name on Record
Mailing Address	3896 E SMITH RD, BAY CITY, MI 48706-1743
Occupancy	Owner Occupied
Owner Type	Individual

Deeds, Mortgages & Sale History

Date	Document
Dec 9, 2021	Deed of Trust, Mortgage · Conventional Mortgage UNITED FINANCIAL CU
Apr 9, 2020	Loan Modification, Mortgage · Conventional Mortgage COPOCO CMNTY CU

Assessor's Deed Record

Deed Names	Name on Deed
Last Sale	Nov 22, 2005 · Amount on Record
Deed Sale	Nov 22, 2005 · Amount on Record
Prior Sale	Jul 20, 1993 · Amount on Record
Deed Book / Page	2389 / 841
Record Updated	Oct 29, 2026

December 2021: Deed of Trust, Mortgage

Document Type	Deed of Trust
Jurisdiction	BAY MI
Property Address	3896 E SMITH RD, BAY CITY, MI 48706-1743
Transaction Type	Mortgage
Record Updated	Jan 14, 2022
Title Company	DEVON TITLE COMPANY, DEVON TITLE CO

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3896 E SMITH RD, BAY CITY, MI 48706-1743

Mortgage

Document Number	0000020448
Date	Dec 9, 2021
Instrument	202120448

Lender

Name	UNITED FINANCIAL CU
Type	Credit Union
Address	SAGINAW, MI 48603

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	180 Months
Due	Dec 1, 2036

April 2020: Loan Modification, Mortgage

Document Type	Loan Modification
Jurisdiction	BAY MI
Property Address	3896 E SMITH RD, BAY CITY, MI 48706-1743
Document Number	0000005226
Instrument Date	Apr 9, 2020
Transaction Type	Mortgage
Record Updated	Sep 22, 2020
Title Company	NOT AVAILABLE

Transferred To (Grantee/Buyer)

Name	Verified Name
Address	3896 E SMITH RD BAY CITY MI 487061743, BAY CITY, MI 48706-1743

Mortgage

Document Number	0000005226
Date	Apr 9, 2020
Instrument	5226

Lender

Name	COPOCO CMNTY CU
Type	Credit Union
Address	BAY CITY, MI 48706

Agreement

Type	Conventional Mortgage
Amount	Amount Recorded
Term	120 Months
Due	Apr 8, 2030

Interest

Rate Type	Fixed Rate

Tax Assessment & Valuation

Source: Bay County assessment roll, as of May 18, 2026

Property Jurisdictions

Type	Name
State	Michigan
County	Bay County
County Subdivision	Bangor Charter Township
Unified School District	Bangor Township Schools (KG - 12)

Tax Bill & Assessment History

Year	Tax Bill	Assessed Value	Assessed Market Value
2026	$1,392.00 (+21.68%) Homeowner's exemption	$57,000 (+34.43%)	$114,000 (+34.43%)
2023		$42,400	$84,800
2022	$1,144.00

Assessed value and assessed market value are set for property tax purposes and are not market price estimates.

Flood

Source: FEMA National Flood Hazard Layer, effective February 17, 2026 · OpenFEMA NFIP redacted claims and policies, as of September 2026

FEMA Flood Zone	Zone AE high risk
100-Year Floodplain	Yes 1% annual chance
Floodway	No
Base Flood Elevation	584.0 ft
Coastal	Yes
Flood Insurance Requirement	Required federally backed loans
Flood Insurance Cost	Premium on Record median of 20 policies
Nearby Flood Policies	20 in force
Nearby Flood Claims	8 (1983–2017)
Claims Outside the SFHA	2 of 8
Most Recent Claim	Jun 2017 · Severe Storms And Flooding
Claims by Event	Severe Storms And Flooding, Jun 2017 · 2 claims

Values are read at the parcel center point; flood claims are located to the census block group, not this parcel; lenders make the official flood determination.

Wildfire

Source: USDA Forest Service Wildfire Risk to Communities (2nd edition), as of 2024

Wildfire Risk	Low lower than 97% of the US · lower than 93% of Michigan
Wildfire Likelihood	Under 0.01% annual chance
Exposure	None beyond ember reach

Values cover an area roughly 900 ft across, not the parcel itself; insurers use their own ratings.

Drinking Water

Source: EPA Safe Drinking Water Information System, as of September 2026

Water System	CITY OF BAY CITY serves 32,255 people · EPA ID MI0000470
Water Source	Purchased surface water from BAY AREA WATER SYSTEM
Last State Inspection	Nov 2025
Lead	8 ppb (2026) action level 15 ppb

Violations Reported to EPA

Water Quality	None last 10 years
Treatment and Procedure	Corrosion control Jan 2024
Monitoring and Reporting	None last 3 years

Results are for the whole water system, not water tested at this address; lead at the tap also depends on the building's own pipes. The service area is an EPA estimate; the actual supplier may differ.

Internet Providers

Source: FCC Broadband Data Collection, based on 202 locations within half a mile, as of December 31, 2025

Provider	Max Down / Up (Mbps)
Spectrum Cable	1,000 / 1,000
AT&T DSL	100 / 20

Cell Coverage

5G (outdoors only) and 4G LTE

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